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About jake1985

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  1. Thanks dcakiller, that's much appreciated. I'll disregard this for the time being, with any luck they won't turn up. The amount is relatively small under 1k so I imagine they have bigger fish to fry at the moment. Should I receive another letter in the near future I'm going to send it back advising no such person at this address.
  2. Oh, and the letter also states the false Banbury address.....should I report this?
  3. I read on here that these kind of letters are phising letters to see whether I'm actually here or not...is this correct? I'm assuming should they hear nothing then they'd assume I wasn't here? Or is that wishful thinking? LOL! This isn't my property, it's my fiancee's parents so the thought of them turning up isn't filling me with delight if I'm honest....
  4. Hi all, Opened my mail to find a letter from these chaps re: an old debt 4-5 yrs old. Says I ignored their previous letter, however never had one at this address. They say they are starting the profiling process and if I'm found to be working or a home owner, they will instruct a third party to begin further collection etc. I'm neither, I'm an unemployed student, renting a room. So, I haven't phoned them, nor acknowledged the letter - just curious if anyone can enlighten me on what the best course of action is? Should I ignore it so as it doesn't affect the statute barred process in
  5. Hi all, I've had an issue with my credit rating in that I have no credit history, and this has affected me trying to open current accounts in the past. I successfully managed to open a T-Mobile contract account, which by looking at my Equifax credit report, helped somewhat (I jumped over 100 points to gain a 'poor' rating as opposed to 'very poor'). I start my second year at Uni in September, and my student loan doesn't quite cover my expenses needed to survive, so I'm looking to open a student account with a small overdraft. I've tried both Co-op & Halifax, however I
  6. Cheers peeps I've decided to sit tight for at least another year and try again when the climate has improved somewhat, also my credit rating should slightly improve in a year as it'll be 3 years at my current address. I guess another year of beans and pot noodles isn't too bad lol
  7. Thanks for that - I just rang the Halifax to apply for a Student Account, and was declined (surprise!) lol, however, the guy on the phone said it was only because I have a low credit score, and he can see I have no defaults etc so it's not bad. He told me that because I have been with them for 3 years and my account has never been charged, and I have alot of money in there at any one time, I should appeal. So I have to print off my credit report and bring it in to my local branch to appeal. Has anyone ever appealed and got anywhere with it on this forum?
  8. I used to work for a local authority in the council tax dept, and unfortunately it looks to me like they've taken advantage of you. Good news, however, we had many students with the same problem in my office - if you have proof regarding your status as a student for the period they were charging you 75%, write a letter to the authority concerned, attach the proof and you should be elgible for a full refund.
  9. Hi All, I am a mature student of 24 years old and have held a basic cash card account with the halifax for 3 years. I have got into debt when I was younger, and this has prevented me from applying for any credit since. I have recently looked at my credit report via Equifax, and it says my credit rating is 'very poor', however there are no defaults, CCJ's or late payments on the report - in fact, there is absolutely nothing - no credit, no agreements, only 1 search from last year from Capital One and that's it. They say because I haven't been on the electoral roll at my current addy f
  10. Just had a letter from Advantis with regards to an old debt of £90, didn't know what it was for so rang them myself and they said it was United Utilites from an address 6 years ago. Just sent them the whole 'pursueing monies after 6 years is illegal' letter found on this forum. I now await their response, should be interesting!
  11. Meh. So applied to Equifax, they asked me to verify my details - so I did, and still no access to my credit report, however, they've quite happily gave my details to a past creditor, who has now sent me a letter to pursue a debt of £90. This debt goes back to 2003, so I have replied with the letter template regarding pursueing a debt older than 6 years. Hopefully, this will scare them slightly, I highly doubt any court action would be taken over £90. Now the floodgates are open, it's just a waiting game - I have no income, and no assetts, so they can come after me, but I'm going to play
  12. Thanks for the advice mate I've been living at my current address with my fiancee for well over a year (nearly two) and all that time my bank account has been altered accordingly, so I know this address will be on my credit file - but still no one has chased me, so I am now thinking maybe my report isn't totally messed up, merely just not up to scratch. I'll probably hear back from Equifax tomorrow and have a look at the report, and my plan is to sit well away from any credit whatsoever over the next 2 years, then see how things are then!
  13. And where did I stipulate I was going to move on and borrow more, for the sake of it? The only thing I intend to get credit for in the future is a mortgage for myself and my fiancee, and I don't think that's something you should begrudge me. And alot of the posts I have read on this forum follow the same pattern as mine, but I don't see those users being lectured.
  14. I wrote a post regarding my situation and my concerns over past debts which I've ran away from: http://www.consumeractiongroup.co.uk/forum/getting-out-debt/184869-erm-what-do.html - and decided to check my credit rating via Equifax. They asked me to send in my verification documents so I did, today. I'm now really worried that I may have just opened the flood gates for all my debts to come back to me and it's put the fear of god into me becaue I'm merely a student and the property I live at is with my fiancee and her parents and I don't want my problems at their door. They are aware of m
  15. So I called Equifax and they told me the system couldn't recognise me so I had to scan some documents and send them via their online customer help system - anyone else had to do this? Just waiting for them to come back to me so I can look at my credit report. Whilst there, took the liberty of looking at their FAQ's, and found some interesting info: The debts I incurred when I was 18 may well be written off this year as it will have been six years since I last heard anything from them...also my Virgin media account details will have been removed from my credit report as, and I quote:
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